Petplan is a leading pet health insurance provider in the United States and Canada the preferred provider of pet insurance for the American Animal Hospital Association and AARP members. For nearly 15 years, Petplan has set the gold standard for pet health insurance coverage as the first pet health insurance provider to offer a “Covered for Life” option and cover pets of any age without broad exclusions for hereditary and chronic conditions. 

Learn more about Petplan's policy options, read thousands of customer reviews and get a quote so you can make an informed choice about your pet insurance provider. 

Average customer rating

9.1 Out of 10
60 Days 1 Year Lifetime
Rating 5.5 8.8 9.1
Count 2 305 5391
10
Out of 10

Greedy & totally unethical- stay away!!

Posted: 07/12/2021
By:
Sara
N

I never post reviews but have to sincerely warn you: stay away from these greedy people! I was lied to my face about coverage, paid hundreds of dollars in total, just to be denied any compensation over a year later. Ex: if you file a claim for an ear infection, stomach ache or skin condition, you will get NOTHING if they as much as see the words ”ear”, ”scratching”, ”stomach ache” or whatever on medical history years before. They will interprete the dog to have a preexisting condition if he/she as much as sneezed or had an ear infection years ago. Regardless of that the symptoms are related to something completely else years later. So save your money! Please!!

Injury/illness
Claim Amount
Breed

Mixed Breed Toy (up to 10 Lbs)

Age of Pet
1 - 8
5
Out of 10

I just renewed my policy and now i read all the reviews. They are ALL bad! I paid a year ahead, so I'll be waiting to see.

Posted: 07/08/2021
By:
Trudy
Elliott

Read subject line.

Injury/illness
Claim Amount
Breed

Mixed Breed Toy (up to 10 Lbs)

Age of Pet
1 - 8
8
Out of 10
Recommended

Great coverage

Posted: 06/27/2021
By:
Sarah
Orr

I have had Petplan for over 10 years with 5 different dogs. The online claims is very easy and the expediency of receiving payment of claims is excellent. However, it has gotten more expensive as my pets age. My current dog does have health issues so it is still worth it. Also, with past dogs I was able to afford to find out what was really wrong in order to make a decision on the future quality of life.

Injury/illness
Claim Amount
Breed

Mixed Breed Medium (20-70 Lbs)

Age of Pet
Over 8 years
1
Out of 10

Astronomical Rate Increase

Posted: 06/09/2021
By:
Rochelle
Mizrachi

I insured my dog Ozzie in 2011 after doing much research on a Pet Insurance that met my needs. At first Pet Plan was great. Claims were processed in a timely fashion. However the plan that I enrolled in changed. The deductible which was annually, now became per incident. That’s not the plan that I purchased.
I would NEVER purchase a per incident Pet Plan Insurance. From this point on I was disappointed, disillusioned and felt betrayed.
Recently to add insult to injury my policy increased from $98 to a whopping $252 per month! Basically after paying thousands of dollars over the course of 9 years, this company has pushed my pet out the door. My dog has not had any major health issues, thankfully. This companies business practices are HORRIFIC to say the least. I had no warning, not a letter, not an email. With such a rate increase one would think that a company could properly reach out to their insured to alert them. I would NEVER recommend this insurance to anyone. Truly disappointing. Horrible company.

Injury/illness
Claim Amount
Breed

Labradoodle

Age of Pet
Over 8 years
Monthly Cost

Depends on your chosen plan.

Coverage

You have a co-pay of 10%, 20% or 30% after your deductible.

The complete sick visit, including the exam fees, are covered. The pay-out amount is based on your actual vet bill.

Use your current veterinarian or any veterinarian in the US or Canada, including ER and specialty hospitals.

Comprehensive non-routine dental coverage for oral disease and injuries, including periodontal disease, extractions, and advanced treatments such as root canal therapy are covered as standard in the policy with no dental condition limits. 

 

Alternative, holistic and homeopathic therapies are covered as standard on every policy at no extra cost, including acupuncture, physical therapy and hydrotherapy.

 

Coverage is available for boarding kennel fees, advertising and reward costs for lost pets, vacation cancellation and death benefits for policies with a $15,000 or greater annual limit. 

 

Covered for Life® guarantee – Petplan will never terminate your policy based on your claims history or just because your pet is sick.

 

No Claims Credit: For each consecutive 12-month policy period that a pet has been insured by Petplan and has gone without a paid claim, a credit shall be awarded to the customer at renewal.

 

Behavioral treatments, including anxiety disorders such as travel and separation anxiety, noise phobia, and house soiling, are covered for policies with an annual limit of $15,000 or more.

Payout Limits

Annual limits range from $2,500 to unlimited depending on your chosen plan.

No per condition limits.

No limits or exclusions for hereditary or chronic conditions.

Deductible

Annual deductible from $250 to $1,000.

Per condition deductibles from $250 to $2,500 also available.

Age Limits

Pet must be at least 6 weeks old to enroll. 

No upper age limits for enrollments apply.

Waiting Period

Coverage goes into effect at 12:10am the day after activation. Accident and injury coverage begins after a 5-day policy waiting period. Illness coverage begins after a 15-day waiting period.

Hip dysplasia – standard illness waiting period applies.

Cruciate, patella, and soft tissue disorders of the knee – six (6) month exclusionary period (waivable by Petplan if a healthy knee exam by your veterinarian during the policy period – call Petplan 24/7 for details).*

*Healthy knee exam must be done in the first 30 days after the inception of the policy in order for the 6 month cruciate exclusionary period to be waived.

Exclusions

Pre-existing conditions are not covered.  Curable pre-existing conditions may be coverable after an exclusionary period – call Petplan directly 24/7 to learn more.  

Preventive and routine care expenses are not covered.

 

Petplan is a leading pet health insurance provider in the United States and Canada the preferred provider of pet insurance for the American Animal Hospital Association and AARP members. For nearly 15 years, Petplan has set the gold standard for pet health insurance coverage as the first pet health insurance provider to offer a “Covered for Life” option and cover pets of any age without broad exclusions for hereditary and chronic conditions. 

Petplan’s innovative approach to pet insurance has been recognized by Forbes, Financial Times, Bloomberg, Inc. magazine, Smart CEO, the Communicator Awards, Ernst & Young and many others. 

Petplan supports partner shelters, rescues and humane societies across the U.S. in addition to funding humane veterinary research into hereditary, congenital and other chronic conditions through the Petplan Fund.